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If you need money for cosmetic surgery and your score is 670 or better, you might want to consider the Discover it® Miles card. It offers a sign-up bonus, 1.5x Miles reward on every dollar of every purchase and no annual fee or foreign transaction fee. The Discover it® Miles comes with a good 0% Intro APR offer for 15 months on purchases, and then the ongoing 13.49% - 24.49% Variable APR. You can pay for anything with this credit card if it is accepted by your doctor, merchant or retailer.

Also, you may want to consider the Citi® Diamond Preferred® Card. This card comes without an annual fee and rewards, but it offers one of the longest 0% intro APR periods. The Citi® Diamond Preferred® Card offers a 0% Intro APR for 12 months on purchases from the date of account opening, after that 15.99% - 25.99% (Variable) APR, based on your creditworthiness.

If you want to borrow a specific amount, you may want to consider personal loans. You can choose the duration of the loan and request a specific amount (or a little more). You can also negotiate with your lender the amount of your loan and interest rates.